Please note: The algorithm descriptions in English have been automatically translated. Errors may have been introduced in this process. For the original descriptions, go to the Dutch version of the Algorithm Register.

Voluntary insurance AOW and Anw

An algorithm calculates how much premium you have to pay for voluntary AOW and Anw insurance.

Last change on 28th of October 2024, at 10:31 (CET) | Publication Standard 1.0
Publication category
Other algorithms
Impact assessment
Field not filled in.
Status
In use

General information

Theme

Social Security

Begin date

1990

Contact information

algoritmenenai@svb.nl

Link to publication website

Vrijwillige verzekering home | Vrijwillige verzekering | SVB

Link to source registration

https://www.svb.nl/nl/over-de-svb/hoe-werken-we/algoritmes-vrijwillige-verzekering-aow-en-anw

Responsible use

Goal and impact

A good algorithm allows us to process fewer customer files by hand. This saves costs and our staff can focus on customisation where needed. Automation also allows us to work faster, helping citizens sooner. It makes no difference to the outcome of the assessment whether a human or an algorithm does the assessment: both follow the law.

Considerations

This is an algorithm that works according to fixed rules. It allows us to automate the implementation of the Voluntary Insurance (VV) law as much as possible. The law also states what data we are allowed to use.

Human intervention

If the algorithm cannot process a Voluntary Insurance (VV) application automatically, the automated process stops. Then our staff take over the file and handle it further. We call this customisation. Even if a citizen disagrees with the outcome of the algorithm, they can contact and talk to a staff member.

Risk management

The Vrijwillegeverzekeringsproces AOW and Anw is one of SVB's core processes. The entire organisation is set up accordingly. We recognise standard three-lines-of-defence (3LoD model). The first line is supported by various tools in thinking and acting on quality and managing continuity risks. The second line consists of departments such as Operational control, Risk management, Quality Assurance and Information Security, which perform and report on quality and performance controls. The third line consists of the audit serves that perform scheduled and unscheduled audits.

Legal basis

The law VV

Operations

Data

Our main sources are:


- personal data from the population records of the Dutch municipalities and of the client

- income and circumstances of the client

- our insurance data

Technical design

Decision tree (rule-based). If you start living outside the Netherlands, you will no longer pay tax in the Netherlands. And therefore the accrual of your AOW stops. You or your employer can continue AOW and Anw insurance. You will have to pay a contribution for this. How high the premium is depends on your income. An algorithm calculates the level of that contribution.

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